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602-402-6001

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13551 W Camino Del Sol Suite #1, Suncity West, AZ 85375

Medicare

Let Scott Gulledge at HealthMarkets guide you through the complexities of Medicare, ensuring you’re well-informed and confident about your health care choices.

Life & Health Insurance

We’re here to provide a comprehensive understanding of Life & Health Insurance, empowering you to make decisions that safeguard your health and future.

Family Health Insurance

Our staff is here to help you delve into the world of annuities and financial services, securing a future that is both prosperous and worry-free.

Employee Benefits

Need help navigating the intricacies of employee benefit plans, ensuring optimal value and satisfaction for both your business and its workforce.

Meet Your Leading Local Agent Scott Gulledge

Small Business

Life Insurance

Supplemental

Health

Medicare

Top Rated Insurance Agent

As a Family man, Father and husband I understand the importance of protecting them for life really is. Prior to Insurance I spent years in education helping people chase their dreams, now I get to help protect there dreams. My goal is to provide the insurance plan that best fits my clients’ needs. Please contact me today for a free consultation.

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What Our Clients Have To Say

      
   HealthMarkets Insurance - Scott Gulledge
   121 Google reviews 
  Write a review 
 
 
 
   
 
 
      Posted on Google  
   
   Fini Guerrero 
 17 August 2026
 
 
  Scott has saved me more times than I'm willing to admit! Every time I've found myself scrambling to find health (and dental, vision, accident, too!) insurance, he makes miracles happen. He always finds the perfect coverage for me and my son, and at affordable rates which can seem impossible when you're trying to navigate the health market yourself. Do not hesitate to reach out if you need help finding the perfect health insurance for your needs.
  
 
     Posted on Google  
   
   shani cohen 
 23 June 2026
 
 
  He is amazing! It is so stressful trying to find the right insurance but Scott made the process so easy! He is so patient and understanding and very knowledgeable! He is so helpful and I truly appreciate his help! Would highly recommend him!!
  
 
     Posted on Google  
   
   Joshua Nepa 
 27 March 2026
 
 
  Scott is always super knowledgeable and helpful. This is just one thing that separates him from his competitors. Today it seems everyone wants to rush you out the door as quickly as you walked in. Scott makes time, and you can clearly see he is a wealth of knowledge.
  
 
     Posted on Google  
   
   Carl Holloway-Factory 
 12 March 2026
 
 
  Scott is amazing and knowledgeable, really made picking our medical plan simple by making sure we had all the information to make the best decision.
  
 
     Posted on Google  
   
   Crissy Stewart 
 12 March 2026
 
 
  Scott is great at what he does ! He found me the perfect plan that will cover me from head to toe. He even got me a plan that will cover that gaps that my plan didn’t have. If you’re looking for a guy that has your best interest he is your man!
  
 
     Posted on Google  
   
   Alan Woodall 
 11 March 2026
 
 
  I'm  happy. I don't feel plan bias. I feel plan knowledge. Lots of it.
  
 
     Posted on Google  
   
   Elguapo Amburgey 
 5 March 2026
 
 
  My wife and are new to the Affordable Care Act. Scott and his team, at HealthMarket Insurance, were recommended to us by others that have them as their agent. Scott and Rob have me several different quotes to choose from and took their time making sure I understood everything they were explaining to me. After we signed up, I had a couple of issues with the government side, none of which was Scott's issue, only mine being a veteran and the government needing more paperwork from me. Scott and Rob helped guide me through it and always either answered my phone/text or immediately got back to me. I highly recommend Scott and his team at HealthMarket Insurance.
  
 
     Posted on Google  
   
   Sandy Rosati 
 27 February 2026
 
 
  Scott was detailed & answered all our questions.  He did all the necessary homework...he was very prepared & patient with the numerous questions we threw st him.    Thanks to Scott Gulledge.
  
 
     Posted on Google  
   
   Zoltan Hardi 
 17 February 2026
 
 
  Scott is a very honest and professional health insurance agent. I have been getting my health insurance from him for many years, both primary as well as secondary insurances, so I have real life experience with him. I highly recommend him!!!
  
 
     Posted on Google  
   
   Carolyn Liebsack 
 3 February 2026
 
 
  Scott was terrific supportive knowledgeable and patient highly recommend him
  
 
     Posted on Google  
   
   Diane Viera 
 28 January 2026
 
 
  Scott is THE BEST, MOST DEPENDABLE, quickest, most knowledgeable, most patient (which I couldn't even closely wear out with my questions and confusion) medicare/insurance broker I've encountered in YEARS.  You cannot go wrong using his insurance skills and talents.  He knows what he's talking about. Give him a try; you'll find he's totally worth it.   Easy to locate his pleasant environment office, as well.
  
 
     Posted on Google  
   
   A Stotsky 
 16 December 2025
 
 
  The patience of JOBE!!!! Bless him on the craziest firedrill insurance day.... explained and explained again so kind.  Went above and beyond to get me coverage that works for me.
  
 
     Posted on Google  
   
   Michelle 
 20 November 2025
 
 
  Scott Gulledge is very knowledgeable about the market place as well as other insurances.He has been so patient with me explaining any questions I have and super quick about getting back to me when I reach out. I would highly recommend him as well as his helper Rob. Scott is the guy to go for any insurance needs. I highly recommend him.
  
 
     Posted on Google  
   
   Yvette Lane 
 16 October 2025
 
 
  Rob Macauley was wonderful to work with.  I wish I had met him a few years ago.  He explained my options so that I could make a good decision.   I am so thankful I called Scott's office.  Rob saw me first appointment a couple of days after I called.  Quick service.  Thank you Rob, I enjoyed our appt. You are great to deal with.
  
 
     Posted on Google  
   
   Lisa Braegelmann 
 15 October 2025
 
 
  Scott was very knowledgeable in the health insurance industry. Very pleasant to work with and took time to explain the plans available to us. Would highly recommend Scott.
  
 
     Posted on Google  
   
   Nancy Schaefer 
 13 August 2025
 
 
  Scott Gulledge was very helpful and knowledgeable. I felt very comfortable with talking with him. I would highly recommend him. He's a 5 star guy.
  
 
     Posted on Google  
   
   Calvin Mcintyre 
 17 July 2025
 
 
  Very knowledgeable of health insurance options available today. Process was quick, easy, painless. Very confident in Scott’s ability to help.
  
 
     Posted on Google  
   
   Nevada Slocum 
 16 July 2025
 
 
  Scott Gulledge was super helpful in finding the right insurance for my wife. He was very flexible in communicating at non-traditional work hours, and made sure all of our questions were answered. I highly recommend Scott for any of your insurance needs!
  
 
     Posted on Google  
   
   joetta cardis 
 7 July 2025
 
 
  Scott was very kind and so easy to work with when I wanted to get the right insurance for me once I got to my age… I have had someone call me saying I must meet with them for my insurance change .. Scott and Rib put it to rest and they keep me updated on anything important to my plan thank you
  
 
     Posted on Google  
   
   Scott Bradley 
 3 July 2025
 
 
  Helped me immensely transition from company to personal insurance post retirement!
  
 
     Posted on Google  
   
   Cheryl Slepack 
 2 July 2025
 
 
  My experience  with Scott and his staff was wonderful. Scott explained the different health insurance packages to us that would be the best choice for us.  He has us sign all the paperwork for changing g to this new policy. The transition was easy and quick.  Scott was professional, took his time to explain the pros and cons of the different policies. By the time we left his office we felt relieved that we made the right choice by choosing Scott for our agent.  His assistant was very helpful as well.  I would highly recommend Scott  and his office for all your insurance needs.
  
 
     Posted on Google  
   
   BRUCE WOOLSTENHULME 
 28 June 2025
 
 
  We had an exceptionally complicated application, and Scott navigated it quickly and effectively. He went above and beyond in searching out obscure Medicare details for our situation. We wholeheartedly recommend Scott!
  
 
     Posted on Google  
   
   Kevin Beck 
 20 May 2025
 
 
  Scott was very professional  and patient as he helped me figure out what insurance I already had and what I needed to cover my needs going forward.
  
 
     Posted on Google  
   
   Antonella 
 29 March 2025
 
 
  Scott held our hand through the entirety of the enrollment process. Not only was he extremely thorough answering all of our questions, he gave the kind of service that you don’t find anymore with health insurance sadly. He guided us on what plans would be best suitable for our families needs and simplified everything making it vertically stress free. We would absolutely recommend him to anyone we know.
  
 
     Posted on Google  
   
   Linda Bergmann 
 11 March 2025
 
 
  Thank you very much each time I text or call for your knowledge and professional courtesy. You are very prompt with returning my calls or text and always follow up with me. Your vast knowledge of the medical insurance and clear explanation helps to understand what plan is best for me.
  
 
     Posted on Google  
   
   Olivia Williams 
 16 January 2025
 
 
  Scott was extremely helpful with getting my family set up with health insurance. He was educated, informative, and eager to help us find the best plan possible. Recommending him to all our friends and family.
  
 
     Posted on Google  
   
   Trevor Williams 
 11 January 2025
 
 
  I was referred by a friend of mine to Scott and his services. Scott has been great, walked me and my wife through the often frustrating and difficult Healthcare Marketplace. He went above and beyond to ensure my family and I had the right plan. Cannot recommend him enough!
  
 
     Posted on Google  
   
   Babs Greenall 
 8 November 2024
 
 
  So glad to have come across Scott’s details on the internet. His speed of response and quick understanding of our needs as we move state before year end are very impressive. I am looking forward to many years as one of Scott’s clients, confident that he is going to find the best plan for our needs. Highly recommended.
  
 
     Posted on Google  
   
   linda dye 
 22 October 2024
 
 
  Scott deserves 10 stars! Saved me almost 600 dollars a year with part d. He was a referral to me from a friend. And was impressed with his willingness to find me a plan that was affordable to my needs. He will return your call or text usually the same day.  I would definitely recommend him.
  
 
     Posted on Google  
   
   John Stark 
 21 October 2024
 
 
  Scott Gulledge provides the best service, knowledge, and attitude when dealing with my health insurance needs. It is always a pleasure to contact him (phone, email or text), he is always quick to respond and goes out of his way regularly to ensure my insurance needs are fulfilled. I have no reason to look for better in the field, as I truly believe Scott is the best.

We’re here to make the process easy…

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Find free quotes, compare plans, and apply online anytime. Or give us a call to get help from a licensed insurance agent.

Personalized Recommendations

HealthMarkets instantly scans and ranks insurance plans in your area. We’ll recommend the plans that fit your needs.

Fair and Reliable

HealthMarkets works with many insurance companies nationwide to help you find a plan that’s right for your needs and budget.

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FAQ’s

Which are the network hospitals in your vicinity?

As a broker we have access to many carriers and options. In many cases almost all the major hospitals fit most plans. The biggest questions is Mayo Clinic – Mayo is a Research hospital and thus only accepts a few options many group insurance, some private options and Medicare supplement plans are the most common.

Will I get covered for my pre-existing illnesses?

Under the Affordable Care Act, health insurance plans cannot refuse to cover you or charge you more just because you have a pre-existing condition.

Whom do I call at the time of an emergency hospitalization?

Call the emergency or customer service number on your health insurance card. Inform them about the hospitalization and get details on what needs to be done next. They can provide information on pre-authorizations, coverage details, and any necessary documentation.

What to do if I am admitted in a non-network hospital?

Contact your health insurance provider as soon as possible to inform them of your situation. Some insurers may require pre-authorization for non-network hospital stays.

What are the documents required for claiming?

Typically a itemized bill from the hospital and a police report if a motor vehicle accident is involved

What is the method of claim processing followed by the company?

Contact the agent and we can help step by step resolve the process.

When can I enroll in a health insurance plan?

Enrollment can take place during the annual Open Enrollment Period. You may also qualify for a Special Enrollment Period if you experience certain life events, such as losing health coverage, moving, getting married, or having a baby.

What are deductibles?

A deductible is the amount you must pay out-of-pocket for covered healthcare services before your insurance plan starts to pay.

What are copayments?

A copayment is a fixed amount you pay for a covered healthcare service, usually when you receive the service. The amount can vary by the type of service.

What is coinsurance?

Coinsurance is your share of the costs of a covered healthcare service, calculated as a percentage of the allowed amount for the service. You pay coinsurance after you have paid your deductible.

Are there financial assistance programs?

Yes, many plans will depend on Income and earnings for the year. If too low the option of Medicaid or AHCCCS can be a possibility.

What documents do I need to enroll in a health insurance plan?

Nothing is required at moment but knowing the family’s SSN and any documentation that legally states you are allowed to be in the USA. Also at the time of signing a consent form will be make to allow both client and agent to acknowledge a record of the transaction.

What's the difference between HMO, PPO and EPO plans?

Key Differences

HMO plans are generally more restrictive and cost-effective, requiring a PCP and referrals for specialists. However many plans have removed the referral restriction and many will cross state lines.
PPO plans offer the most flexibility, including out-of-network care, but come with higher costs.

EPO plans blend some aspects of HMOs and PPOs, offering a larger network without the need for referrals, but generally don’t cover out-of-network care.
The best choice depends on your healthcare needs, preferences, and budget.

What are Health Savings Accounts (HSAs)?

An HSA is a savings account that lets you set aside money on a pre-tax basis to pay for qualified medical expenses. HSAs are available to individuals enrolled in high-deductible health plans (HDHPs).

How do I choose the right health insurance plan?

Consider your healthcare needs, budget, and preferred doctors and hospitals. Compare plan benefits, premiums, deductibles, co-pays, and out-of-pocket maximums.

Plan for tomorrow, live for today!

Medicare

Life & Health Insurance

Family Health Insurance

Employee Benefits

Meet Your Leading Local Agent Scott Gulledge

Small Business

Life Insurance

Supplemental

Health

Medicare

Top Rated Insurance Agent

Ask The Experts!

Have Questions? Contact Us!

What Our Clients Have To Say

We’re here to make the process easy…

Insurance Made Easy

Personalized Recommendations

Fair and Reliable

Active Policies

Amazing Reviews

Insurance Plans

States We Proudly Serve

FAQ’s

Which are the network hospitals in your vicinity?

Will I get covered for my pre-existing illnesses?

Whom do I call at the time of an emergency hospitalization?

What to do if I am admitted in a non-network hospital?

What are the documents required for claiming?

What is the method of claim processing followed by the company?

When can I enroll in a health insurance plan?

What are deductibles?

What are copayments?

What is coinsurance?

Are there financial assistance programs?

What documents do I need to enroll in a health insurance plan?

What's the difference between HMO, PPO and EPO plans?

What are Health Savings Accounts (HSAs)?

How do I choose the right health insurance plan?

Plan for tomorrow,
live for today!